Mark Cappel
Mark Cappel has edited magazines, web sites, and books for IBM, IDG, and Prentice Hall for the last 25 years. He earned a degree in law in 2006, and puts his law school lessons and editing experience to work every day in creating content for Bills.com that is accurate legally, yet easy to understand. When he's not in front of a computer, Mark is an amateur actor, a swordsman, and a Gate Dept. volunteer at Burning Man.
Personal Debt CollectionMay 14, 2024
Personal Debt Collection | When a debt collector contacts you, it is important that you don't ignore the situation. Some collectors can come to your home or...
Collection on Title LoanMay 14, 2024
Collection on title loan |A title loan offers you cash from the lender, with the title of your paid-for vehicle as security. Never take a title loan without...
Dealing with Charged Off Debt AccountsMay 14, 2024
If your credit report has charge-off accounts on it, let Bills.com get you the advice you need to clean up your credit report.
Consolidate Credit Card PaymentsMay 14, 2024
You can consolidate your credit cards into one monthly payment, and we show you three ways to do so in this article, but you may not want to because of the expe
Medical GuarantorMay 14, 2024
Medical Bill and Joint Liability | Depending on the contract you sign and the state laws it is possible for a creditor to obtain a judgment and garnish wages...
Free Debt Consolidation ProgramsMay 14, 2024
Free Debt Consolidation Programs | Free debt consolidation programs don't exist, but you can improve your finances & save money at little or no cost. First...
To Pay Credit Cards or to Save?May 14, 2024
Find out when it is better to to pay credit cards as opposed to putting aside the money for savings. Get more savings tips at Bills.com
Illinois Collection LawsMay 14, 2024
A judgment is a declaration by an Illinois court that the creditor has the legal right to demand a wage garnishment, a levy on the debtor's bank accounts, and a
Lawsuit on a Six Year Old Deficiency BalanceMay 14, 2024
Get more information about lawsuits on deficiencies. Learn about statute of limitations and more at Bills.com
Credit Card LawsuitMay 14, 2024
Defendants of credit card lawsuits who put up a fight in court will often win. Here are the five steps you can take to fight a credit card lawsuit...
Unable to Validate DebtMay 14, 2024
Under the FDCPA, if a creditor cannot verify a debt it may not collect the debt, contact the debtor about the debt, or report it to the credit reporting agencie
Loan to Pay Credit CardsMay 14, 2024
Need a loan for credit card consolidation or home repair? Read on to learn your options for secured and unsecured loan, plus government grants...
Balance on a RepossessionMay 14, 2024
See what can happen after a vehicle is repossessed. Get real answers to real world questions at Bills.com
Non-Profit Debt ReliefMay 14, 2024
Non-Profit Debt Relief | Non-Profit Debt Relief can help you with credit card debt, bankruptcy, and student loans. It's important that you understand exactly...
Credit Card Loan ConsolidationMay 14, 2024
Loan consolidation will not cut your monthly payments. Learn the 4 proven alternatives to a credit card loan consolidation.
Charge Off Credit Union LoanMay 14, 2024
The credit union can charge off a delinquent loan, regardless of what may be surmised from the debtor's intent.
Michigan Spousal Liability for DebtMay 14, 2024
Spousal Liability in Michigan | If both spouses sign a debt agreement both are jointly liable to the creditor. But, if only one spouse signed the agreement...
Wisconsin Wage GarnishmentMay 14, 2024
Wisconsin Wage Garnishment for Spouse's Debt | Wisconsin is a community property state. Generally, a spouse has liability for the other spouse's debts, but...
New York Statute of LimitationsMay 14, 2024
According to the Laws of New York CVP Article 2 section 213, a plaintiff has six years to take action on a contractual obligation or liability.
Find Attorney in CaliforniaMay 14, 2024
Talk with an attorney who can interview you in person and suss-out the relevant facts in your situation, and review your documentation.
Georgia Spousal Liability for DebtMay 14, 2024
If the spouses never resided in a community property state, and only one spouse signed the loan contract, then the signatory-spouse is liable for the debt only.
Texas Truck RepossessionMay 14, 2024
Your case involved a lease contract I have not read. You have the added complication of a spoken contract that apparently modifies the terms of the written cont
National Action Financial ServicesMay 14, 2024
Just because National Action Financial Services has access to the credit reporting agencies and learned your contact information does not mean you owe a debt.
Splitting Credit Card Debt in DivorceMay 14, 2024
A divorce decree does not trump the contract terms in a loan. The contract was agreed to when the loan was signed by you and/or your spouse. The divorce did not
Remedies & Common LawMay 14, 2024
An original creditor is not required by law to notify a debtor it sold the debtor's collection account to a third party. Therefore, I do not see any illegal act
Creditor Increasing Balance After JudgmentMay 13, 2024
Learn about the creditor judgment and wage garnishments in this helpful blog on Bills.com
Credit Card Debt ReliefMay 13, 2024
Read a personal story about credit card debt relief and discover ways to get yourself out of credit card debt. Courtesy of Bills.com - your source for saving mo
Repay My DebtsMay 13, 2024
Free debt help advice to repay my debts.
Am I Responsible for my Mother's DebtsMay 13, 2024
Credit Card and Probate information| Authorized users do not apply for credit or sign a credit agreement, they are not legally liable for the debt. Read about..
Creditor Refusing PaymentsMay 13, 2024
If your creditor refuses your payment it does not meant that you are no longer required to pay the debt. If your payment is refused by your creditor, you need..
New Debt While in Chapter 13May 13, 2024
Incurring New Debt in Ch 13 Bankruptcy | While in a Chapter 13 bankruptcy plan, you are strictly prohibited from incurring new debt without receiving prior...
Negotiate DebtMay 13, 2024
Negotiation is a process and just because you have spoken to a judgment-creditor once or twice and got no where does not mean the judgment-creditor will never a
Using Credit Cards in my Mother's NameMay 13, 2024
See what happens if you are using credit cards in your mother's name and cannot make the payments. Learn about credit card collection practices at Bills.com
Father's Debts Appearing on My Credit Report May 13, 2024
There is no easy way to fix the problem of a father's derogatory credit items appearing on a son's credit report (or vice-versa). Here is how to start.
Mortgage Payment Coupon BookMay 10, 2024
Need help getting your mortgage payment coupon book? Let Bills.com help you for free with advice and tips.
Quiet TitleMay 10, 2024
Quiet title | An action to quiet title is a lawsuit brought in order to establish a party's title to real property. Due to the problems with MERS, anyone...
Spouse Not On MortgageMay 10, 2024
The letter to the county clerk is often just called 'recording instructions' or something equally non-descriptive. It is prepared by the title company or escrow
Sell My HouseMay 10, 2024
Sell My House Back to the Bank | Banks don't take homes back easily. Try modifying the mortgage to avoid foreclosure. Also, look into a deed-in-lieu or...
Mortgage CalculatorMay 10, 2024
Mortgage Calculator | Mortgage Calculator tips from bills..com Use our easy-to-use mortgage calculator to see which which mortgage loan is best.
Mortgage ScamMay 10, 2024
Mortgage Scam | The details of a mortgage can be complex. Mortgage scams often involve land speculation, straw buyers, inflated appraisals and...
Name On MortgageMay 10, 2024
Make one spouse a financial and credit history life boat. If a couple's financial world is turned upside down one spouse will have a strong credit history to re
RESPA & Escrow AccountMay 10, 2024
Under RESPA, a mortgagee is allowed to require an escrow account as a condition of you, the mortgagor, doing business with it.
Handyman SpecialMay 10, 2024
If the value of comps are in the $26,000 range, then you should pay $1,000 because the appraisal price is unrealistic and $1,000 is what the net value of the ho
Mortgages FAQMay 10, 2024
Learn how much you can afford to borrow, and how to qualify for a mortgage.
REO RentalMay 10, 2024
REO to rental idea advanced by Federal Reserve aims to stabilize home prices by selling foreclosed homes as rental units.
Mortgage Application StepsMay 10, 2024
Applying for a mortgage, whether a refinance or a purchase, takes time and effort - understand the steps.
Community Property DebtMay 10, 2024
Community Property Debt | Assets and obligations of one partner acquired during the marriage become 'community' assets or obligations. This can mean one...
New York Collection LawsMay 10, 2024
Learn how New York law protects you if you are threatened with a lien, account levy, wage garnishment, repossession or foreclosure. Payday loans are illegal...
Excessive Towing FeesMay 10, 2024
My car was towed, and now the towing company wants to sell my car. What can I do? Contact an attorney in your state immediately and raise the money to pay the s
Credit Card Debt in ColoradoMay 10, 2024
My husband was sued in Colorado for a credit card debt incurred in Vermont but agreed to in Arizona. What law applies?